Mortgage Counseling Benefits Validated by Four Independent Research Studies

• National Foreclosure Mitigation Counseling Program Evaluation
• The Effects of Foreclosure Counseling for Distressed Homeowners
• Housing Counseling: Past and Future Trends
• HECM Reverse Mortgage Counseling: Critical for Consumer Protection

Fact Sheet on Housing Counseling

Coalition of HUD Housing Counseling Intermediaries, May 18, 2011

State of the Nation - Housing 2011

Dispelling the Modification Myth - by Joe Donovan.

Contrary to reports of an increase in homeowners strategically defaulting on mortgages, the Homeownership Preservation Foundation says the vast majority of people see foreclosure as a last resort and are committed to paying their way.

The State of the Nation’s Housing 2010: Joint Center for Housing

Financial Literacy and Subprime Mortgage Delinquency: Evidence from a Survey Matched to Administrative Data - Federal Reserve Bank of Atlanta, Working Paper 2010-10, April 2010

National Foreclosure Mitigation Counseling Program Evaluation, Preliminary Analysis of Program Effects - The Urban Institute, November 2009

CCCS of Greater Atlanta Study - Homeowner's HOPE Hotline Counseling Outcomes

Collateral Damage: The Municipal Impact of Today's Mortgage Foreclosure Boom; May 11, 2005 by William C. Apgar & Mark Duda

The Municipal Impact of Foreclosures: A Chicago Case Study; February 27, 2005 by William C. Apgar & Mark Duda